Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 16 long-term care insurance agents in Laguna Niguel, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Global Guard Insurance
27601 Forbes Rd STE 56, Laguna Niguel, CA 92677
(800) 750-9115
globalguardins.com
Herron Family Insurance Agency, Inc: Allstate Insurance
30101 Town Center Dr Ste 105, Laguna Niguel, CA 92677
(949) 495-3530
agents.allstate.com
Insource Insurance Agency
30011 Ivy Glenn Dr #212, Laguna Niguel, CA 92677
(949) 485-5467
insourceagency.com
South County Insurance Services-Pavel Levitanus
28202 Cabot Rd #300, Laguna Niguel, CA 92677
(949) 550-2502
missionviejohomeinsurance.com
Heritage Financial Services
28142 Camino Capistrano suite 101, Laguna Niguel, CA 92677
(855) 434-7400
hfis400.com
Brittanny Perry: Allstate Insurance
27601 Forbes Rd #14, Laguna Niguel, CA 92677
(949) 487-2900
agents.allstate.com
InsurCali
28202 Cabot Rd #300, Laguna Niguel, CA 92677
(949) 973-0278
insurcali.com
Laguna Health Plans USA
28202 Cabot Rd #300, Laguna Niguel, CA 92677
(949) 373-4240
Brakke-Schafnitz Insurance Brokers
28202 Cabot Rd # 600, Laguna Niguel, CA 92677
(949) 365-5100
Abrams California Health Insurance
30101 Town Center Dr Suite 109, Laguna Niguel, CA 92677
(800) 366-2751
insuresaver.com
Acrisure Laguna Niguel, CA (Signature Insurance Group)
28202 Cabot Rd # 600, Laguna Niguel, CA 92677
(800) 464-3606
acrisure.com
Value Health One Insurance
28052 Camino Capistrano, Laguna Niguel, CA 92677
(949) 259-5767
valuehealthone.com
Woodland Park Insurance Services
30012 Ivy Glenn Dr Suite 290, Laguna Niguel, CA 92677
(949) 419-9566
wpins.com
Coliday...Insurance and Financial Services
28202 Cabot Rd Suite 300, Laguna Niguel, CA 92677
(949) 495-2016
coliday.com
Health Ins for U
23986 Aliso Creek Rd Suite 339, Laguna Niguel, CA 92677
(949) 831-2146
healthinsforu.com
Craig J Sirianni Insurance
30131 Town Center Dr #168, Laguna Niguel, CA 92677
(949) 249-6769
healthinsuranceandyou.com
What Does a Long-Term Care Insurance Agent in Laguna Niguel Cost?
Long-term care insurance premiums in California vary widely based on age, health, and benefit amount. A typical policy for a healthy 55-year-old might cost $1,500 to $3,000 per year, while a 65-year-old could pay $2,500 to $5,000 annually. Costs also depend on the daily benefit, benefit period, and inflation protection chosen. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in Laguna Niguel do?
An agent helps you compare policies from different insurers to find coverage for home care, assisted living, or nursing facility care. They explain California-specific rules, such as the 90-day free look period for new policies. Agents do not provide legal advice but can help you understand benefit options.
How does California law affect long-term care insurance policies?
California requires insurers to offer inflation protection and nonforfeiture benefits. The state also has a Partnership program that lets policyholders keep assets equal to the benefits paid if they later need Medi-Cal. Agents must be licensed by the California Department of Insurance.
What is the best age to buy long-term care insurance in California?
Most people purchase policies in their 50s or early 60s when premiums are lower and health conditions are less likely to cause denial. California law allows insurers to deny coverage based on health history. Buying earlier can lock in lower rates and ensure eligibility.